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 Posted: Thu Apr 13, 2006 9:36 am Subject: Need help with Texas laws |
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OK guys-
If anyone read my other post about my T&C payment, you know I am in a bind. I have got to get some of these loans dismissed in order to have money to live on.
I have looked at the Texas Attorney general site and the consumer commission site. I guess I am not bright enough to find what I need. I am looking for the laws for Texas that says these PD places have used illegal practices with me and my accounts. I have seen a lot of you cite specific laws in letters that you have used to get the loans marked as paid in full. Please help me find what I am looking for.
Thanks,
Crystal
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cmcdonald
Joined: 28 Dec 2005
Posts: 80
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| Posted: Thu Apr 13, 2006 9:46 am Subject: |
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Are these internet or store front lenders?
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polly
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Posts: 1793
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| Posted: Thu Apr 13, 2006 9:48 am Subject: internet |
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They are all internet.
Quick Payday
Cash Transfer Centers
Ameriloan
Cash Express
GECS
Cashnet
Paycheck Today
Cash Advance
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cmcdonald
Joined: 28 Dec 2005
Posts: 80
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| Posted: Thu Apr 13, 2006 9:49 am Subject: |
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http://www.debtconsolidationcare.com/forums/about8957.html
Try reading this thread,and also,I do believe that they cant garnish wages in Texas.
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twokidtwocat
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| Posted: Thu Apr 13, 2006 9:51 am Subject: |
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give me a little while and i will help you. got a deadline today.
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polly
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| Posted: Thu Apr 13, 2006 9:52 am Subject: Thanks |
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Thanks Polly- any direction you would give would really help. I am going to gather together my bank statements in the meantime to see how much I have actually paid to these crooks.
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cmcdonald
Joined: 28 Dec 2005
Posts: 80
Debtcc Points: 3479
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| Posted: Thu Apr 13, 2006 10:02 am Subject: |
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If anyone can help polly can, she is wonderful in this area. 
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CycloneFan
Joined: 05 Dec 2005
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polly
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| Posted: Thu Apr 13, 2006 11:49 am Subject: None There |
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None of the lenders appear to be liscensed in Texas.
Crystal
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cmcdonald
Joined: 28 Dec 2005
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| Posted: Thu Apr 13, 2006 11:56 am Subject: |
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Well, what you need to do to be sure is to run a 'whois report' on the website addresses. Typically that will give the legal name of the company.
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polly
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| Posted: Thu Apr 13, 2006 12:53 pm Subject: |
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wages cannot be garnished in Texas
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| Posted: Thu Apr 13, 2006 1:02 pm Subject: |
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After you ascertain whether or not they are licensed, look into whether their fees meet the following criteria:
| Quote: | Permitted charges: On a cash advance of less than $ 30, an acquisition charge that is not more than $ 1 for each
$ 5 of the cash advance. On a cash advance equal to or more than $ 30 but not more than $100, an acquisition
charge that is not more than the amount equal to one-tenth of the amount of the cash advance and an installment
account handling charge that is not more than $ 3 a month if the cash advance is not more than $ 35, $ 3.50 a
month if the cash advance is more than $ 35 but not more than $ 70, or $ 4 a month if the cash advance is more
than $70. On a cash advance of more than $ 100, an acquisition charge that is not more than $ 10; and an
installment account handling charge that is not more than the ratio of $ 4 a month for each $ 100 of cash advance. |
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polly
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| Posted: Thu Apr 13, 2006 1:02 pm Subject: ? |
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Not to appear dense- But how do you run a "who is" report?
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cmcdonald
Joined: 28 Dec 2005
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| Posted: Thu Apr 13, 2006 1:05 pm Subject: |
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you aren't dense lol I just pm'd you a link..
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polly
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| Posted: Thu Apr 13, 2006 1:06 pm Subject: |
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Polly can you PM me that link also?? Thanks!
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CycloneFan
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